Creating a large source of referral opportunities – for future business growth, and

Differentiating yourself in your community – helping to establish yourself as an expert in small-business retirement solutions.

With this in mind, Manulife has developed FutureStep®, a small-business savings solution that will:

Enable you to build close relationships with your small-business clients and use your expertise to provide additional value for all their business needs, and

Help small businesses stand out in their marketplace, stay competitive, retain employees – and provide greater financial security to their employees.

Group RRSP: FutureStep is a Group Registered Retirement Savings Plan (RRSP), a savings vehicle offered by an employer to his/her employees as a way to save for the future. Both employers and employees can contribute to the plan and receive certain tax advantages. The FutureStep Group RRSP features best-in-class investment options, education and online services that are typically only available to larger companies. All of these features are offered within a cost-effective design that is easy to set-up and manage.

DPSP Option: Building on the success of the group RRSP, we have expanded FutureStep to include a Deferred Profit Sharing Plan (DPSP) -- an employer-sponsored profit sharing plan that is registered as a trust arrangement with the Canada Revenue Agency (CRA).

Businesses now have the choice of either offering a FutureStep RRSP or a FutureStep RRSP with a DPSP option. The DPSP option is not a stand-alone offering and can only be purchased with the Group RRSP.

This, in turn, presents you – the advisor -- with a great opportunity to:

Strengthen the value you bring to your clients,

Expand your block of business and increase your income, and

Capitalize on individual leads generated by cross-selling additional products, such as life insurance or other investment